
104 Cardinal Crescent S
Waterloo, ON N2J 2E9
- 4Bedrooms
- 3Bathrooms
- 2Garage
- 1500–2000Sq Ft
- $5,154Tax
- 46×153 ftLot Size
- Estimated Value:$877,258See Free Estimate Report

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About 104 Cardinal Crescent S, Waterloo
Tucked away on a quiet cul-de-sac & backing onto a serene forest, this home offers a lifestyle filled with peace, connection, & endless possibility. From the moment you arrive, the charming curb appeal and fully fenced backyard will have you dreaming of family barbecues, cozy fireside evenings, and afternoons spent exploring nature right in your own backyard. Step inside and feel immediately welcomed by a warm, inviting foyer complete with built-in cubbies, perfect for organizing busy mornings. The private living room, bathed in natural light from a large picture window, offers the perfect retreat with elegant mouldings, recessed lighting, and a fresh, updated feel. At the heart of the home is the breathtaking open-concept kitchen & dining area, designed for both gathering & everyday living. With quartz countertops and blacksplash, custom cabinetry with gold accents, a large island for casual chats, & a full suite of high-end appliances (including a gas stove with a pot filler!), this kitchen isn't just functional, it's where memories are made. Slide open the doors to your expansive deck, fire up the BBQ with the built-in gas line, and take the party outside; your future summer nights are waiting. The lower level offers a cozy family room with a beautiful bay window, crown moulding, a second walkout to the yard, and easy access to a 2-piece bath and garage. The partially finished basement adds even more flexibility, whether you dream of a rec room, extra storage, or an in-law suite. Upstairs, four spacious bedrooms await, including a calming primary suite with a private ensuite. Whether you need space for little ones, guests, or a home office, there's room for it all here. Located just minutes from the University of Waterloo, transit, parks, schools, and amenities, this is more than a house its the perfect home to plant roots and start your next chapter. Recent Updates: Flooring (2021), Kitchen Appliances (2021), Front Porch Concrete (2025), Drywall (2025).
Key Facts & Features
Property Costs
- Annual Property Tax Amount
- $5,154
- Land Transfer Tax Fee
- $16,055
Rental Items
- Rental Equipment
- N/A
- Basement Type
- Full, Partially Finished
Interior Features
- Laundry Level
- Lower Level
- Interior Extras
- Auto Garage Door Remote, Built-In Oven, Water Heater Owned, Water Softener
- Fireplace/Stove
- No
- Elevator
- No
Exterior Features
- Pool
- None
- Property Features
- Cul de Sac/Dead End, Park, Place Of Worship, Public Transit, School, Fenced Yard
Building
- Building Type
- Detached
- Building Style
- Sidesplit 3
Construction
- Exterior Finish
- Brick, Other
- Roof
- Asphalt Shingle
- Foundation Details
- Concrete
- Special Designation
- Unknown
Lot
- Lot Front
- 46.00 ft
- Lot Depth
- 152.80 ft
- Lot Shape
- Pie
Inclusions
- Inclusions
- All ELFs, All S/S Appliances (S/S B/I Oven & Microwave, S/S Fridge, S/S Gas Stove, S/S Range Hood, S/S Dishwasher), Washer, Dryer, Garage Door Opener, Hot Water Tank, Water Softener & Window Coverings.
Exclusions
- Exclusions
- TV & TV Mounts, Freezer in Bsmt & Trampoline in Backyard.
Parking & Garages
- Garage Type
- Built-In
- Garage Spaces
- 2
- Parking Spaces
- 6
- Total Garage And Parking Spaces
- 8
Heating & Cooling
- Heat Source
- Gas
- Heat Type
- Forced Air
- Air Conditioning
- Central Air
- Water
- Municipal
- Sewers
- Sewer
- Natural Gas
- Yes
- Hydro
- Yes
- Cable
- Available
- Telephone
- Available
- Bedrooms
- 4
- Washrooms
- 3
- Kitchens
- 1
- Family / bonus room
- Yes
Room sizes
- Kitchen—Main level, Laminate, Centre Island, Stainless Steel Appl
- Living Room—Main level, Laminate, Large Window, Pot Lights
- Dining Room—Main level, Laminate, W/O To Deck, Pot Lights
- Family Room—Lower level, Laminate, W/O To Yard, Bay Window
- Primary Bedroom—Upper level, Laminate, Double Closet, 3 Pc Ensuite
- Bedroom 2—Upper level, Laminate, Closet, Large Window
- Bedroom 3—Upper level, Laminate, Double Closet, Overlooks Frontyard
- Bedroom 4—Upper level, Laminate, Double Closet, Large Window
- Recreation—Basement level, Partly Finished
Washrooms
- 2-piece, Lower
- 3-piece, Upper
- 4-piece, Upper
- Municipality
- Waterloo
- Main cross streets
- Erb/Bridgeport
- Zoning
- Single Family Residential
- Directions
- Erb/Terrystone Walk
- MLS® number
- X12277593
- Data source
- Toronto Regional Real Estate Board
- Status change
- 2025-08-23
- Listed on
- 2025-07-10
- Days on market
- 44 days
- Possession type
- Flexible
- Co-op commission
- 2% + HST
- Seller
- Listed by
- Royal Lepage Real Estate Associates
Home Market Value
Current home valuation for 104 Cardinal Crescent S, Waterloo, , . Listed for $979,000
HOMEH Estimate
$877,258
Estimated Sales Range
$693,034 - $1,061,482
HOMEH Estimate for 104 Cardinal Crescent S, Waterloo
Calculated with a real agent's CMA method — 45+ years of experience, codified. Not an AI guess.
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Mortgage Payment Calculator
Compare up to 4 down payment scenarios
5% on first $500K + 10% on $479,000 over $500K
$72,900
| Scenario 1 | Scenario 2 | Scenario 3 | Scenario 4 | |
|---|---|---|---|---|
−Down payment | % $ | % $ | % $ | % $ |
+CMHC insurance | $36,223 | $27,314 | $23,300 | $0 |
=Total mortgage | $941,798 | $908,414 | $855,450 | $783,200 |
Amortization | ||||
Mortgage rate | % | % | % | % |
| Payment frequency | ||||
=Mortgage payment | $4,598monthly | $4,435monthly | $4,177monthly | $3,824monthly |
Land Transfer Tax
$16,055
$16,055
Around this home
Data provided by OpenStreetMap & Fraser Institute School Rankings
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